Types of Car Insurance

When choosing the type of Car Insurance to suit your needs, you have two main options: Comprehensive Car Insurance and Third Party Property Damage. Within these two types, GIO offers four levels of Car Insurance cover to choose from, as well as CTP Insurance, which is a requirement in NSW and the ACT. With our four levels of cover you can find the type of Car Insurance certainty you’re looking for. Don’t just think you’re covered, know you are.

Compare our 4 levels of cover

Our highest level of cover includes all the benefits of Comprehensive cover, plus extra features included as standard. These include unlimited days of car hire, windscreen and window cover, and lifetime new car replacement. Cover your car with the confidence that comes with GIO Platinum Car Insurance.

Covers damage to your car, including accidents and weather events such as hail, storm and flood, and damage caused to other vehicles and property. It also covers towing and storage costs to our nearest repair facility if your car’s not safe to drive. You can choose your own repairer, and you get lifetime guarantee on all approved repairs – now that’s comprehensive.

All the essentials and confidence that come with Third Party Property Damage cover, plus extra features and cover for your car against fire and theft. For example, get up to 14 days car hire if your car has been stolen, as well as lock and key replacement up to $1,000 if your keys are stolen. It’s Third Party Car Insurance know-how with some handy extras, for that bit of added security.

Covers damage your car causes to other vehicles and property with $20 million legal liability cover. Plus, you’re covered up to $5,000 for collision damage to your car by an uninsured driver who is at fault, as well as a 24/7 Australia-wide claims service so you can claim anytime, day or night. Our Third Party Car Insurance is cover for your A to B, so you can hit the road knowing you’re covered.

Do you need CTP Insurance?

Compulsory Third Party Insurance (CTP), also known as Green Slip insurance in New South Wales, is insurance attached to the registration of your vehicle. It provides protection to the at fault driver against compensation claims from people injured in a motor vehicle accident. CTP is required by all drivers in NSW and the ACT in order to register their vehicles.

Optional Extras for Comprehensive Car Insurance

14 days hire care after an event

If your car can’t be driven, is being repaired or has been stolen, and your claim is accepted, we can arrange and pay for the reasonable costs of a compact hire car for up to 14 days. This means you’ll be back on the road in no time – even if your car isn’t. We’ll also insure the hire car against accidental loss and damage, so you know you’re covered.

Windscreen and window glass cover

If your car can’t be driven, is being repaired or has been stolen, and your claim is accepted, we can arrange and pay for the reasonable costs of a compact hire car for up to 14 days. This means you’ll be back on the road in no time – even if your car isn’t. We’ll also insure the hire car against accidental loss and damage, so you know you’re covered.

Roadside assist

24/7 roadside assistance when you need it most.

Did you know you can add GIO Roadside Assist to your Platinum or Comprehensive Car Insurance policy? With no joining fee and from less than $90 per year, we’ll help with flat tyres, flat batteries, emergency fuel, and more.

FAQs

People also ask

Yes, learner drivers are automatically covered to drive your car under supervision and there is no need to list them on your policy. If they are at fault in an accident and you need to make a claim, an extra excess of $400 will apply in addition to any other excess.

Please note: Learner drivers are not covered under the Hire Car option.

We cover all legal accessories and modifications that are fitted to your car, apart from the following:

custom or specialised paint work (unless it was manufactured this way)

nitro or hydrogen fuel

petrol turbo or supercharger

roll bar, roll cage or racing harness.

Yes, all drivers who you expect will regularly drive your car should be listed, apart from learner drivers who are not required to be listed.

Listing additional drivers can affect the price you pay for your insurance and if the additional driver is inexperienced or under 25 years old, an extra excess of $400 may apply in addition to any other excess.

If you don’t list a regular driver, it may result in additional excesses, a reduction or refusal of a claim.

With GIO, you can allow us to arrange the repair of your car and have everything taken care for you, or you can choose to have repairs completed by a repairer of your choice.

If you choose your own repairer we still need to complete an assessment of your car at one of our assessment centres or repair facilities. If we agree that the quote from your repairer was reasonable we’ll authorise it and our lifetime guarantee will apply.

So, if a defect arises due to the materials used or workmanship of the repairs, even if you no longer own the car, we'll rectify the problem.

We understand being involved in an accident can be a stressful experience.

That’s why we’ve created a step by step guide to help you deal with it. Remember you can call us for help 24 hours a day on 13 14 46.

If your car is stolen, the first step is to report the theft to the police. If you are in Victoria, contact your local police station. For all other states, contact the Police Assistance line on 131 444.

Keep a record of the name of the police officer, the police station, the date reported and the report reference number.

Next, make your claim at any time online, over the phone (13 14 46) or using our GIO Claim Mate App 24 hours a day, 7 days a week.

REVIEWS

What our customers are saying

Car Insurance is rated
4.6 out of
5 by
1404.

Rated 5 out of
5 by
Cronulla Dental Centre from
ExcellentEasy to use, very comprehensive, excellent information, not complicated

Date published: 2018-03-15

Rated 5 out of
5 by
Giuseppe from
2018 FPW Highlights CV 5 Nightsim so happy to be with GIO as I have been a policy holder for 63 years

Date published: 2018-03-14

Rated 4 out of
5 by
tika630 from
best insureri was finding myself hard to get a insurance! but thanks to GIO i am covered now.

Date published: 2018-03-14

Rated 5 out of
5 by
Buff82 from
Easy and convenientSo easy to use the website and manage my insurance

Date published: 2018-03-13

Rated 4 out of
5 by
Ram15 from
Better Insurancecurrently i m happy about the price what i m recived

Date published: 2018-03-13

Rated 5 out of
5 by
AndrewD from
Great value for money compared to the other insurersGIO have provided comprehensive insurance for the best value compared to all other insurers.

Date published: 2018-03-13

Rated 4 out of
5 by
Sidswipe5 from
Thank YouJust help me keep my car on the road OK guys. hopscotch
.

Date published: 2018-03-13

Rated 5 out of
5 by
JPez from
Easy to set up :)Just purchased and it was nice and easy to set up an account and for a great price!

If you are eligible for more than one discount, we apply any subsequent discount to the already rated premium (usually before adding taxes and charges). Discounts are subject to change without notice. Minimum premiums may apply. Any discount given will be shown on your certificate of insurance.